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No unread posts General Discussions, Forum Registration, and ID Theft and Credit-Related News Stories

Subforums: General Discussion, News Stories on Identity Theft, Personal Data Thefts and Credit Reporting Abuses, Current Cases, Lawyer Jokes

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Tue Apr 04, 2006 3:06 am

David A. Szwak View the latest post

FCRA Statute and Defined Terms Under the FCRA

 
No unread posts FCRA Statute And Amendments: 15 U.S.C. 1681, et. seq.

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Thu Mar 09, 2006 2:54 am

David A. Szwak View the latest post

No unread posts What is a Consumer [Credit] Reporting Agency?

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Sat Mar 18, 2006 8:01 pm

David A. Szwak View the latest post

Forum locked What is a Consumer [Credit] Report?

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Sat Dec 10, 2005 10:35 pm

David A. Szwak View the latest post

Forum locked Resellers: Who are They? What Do They Do? Are They Liable Under the FCRA?

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Tue Mar 07, 2006 12:27 am

David A. Szwak View the latest post

Forum locked Investigative Consumer [Credit] Reports

This Folder examines investigative consumer [credit reports] and the special rules governing those reports and claims which may be asserted for violations concerning this special category of reports.

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Sat Mar 18, 2006 8:26 pm

David A. Szwak View the latest post

How to Get Your Credit Reports and How and Who to Write Your Dispute Letters to

 
Forum locked How To Get Your Credit Reports

Where credit reports can be acquired.

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Wed Dec 07, 2005 2:13 am

David A. Szwak View the latest post

No unread posts Dispute Letters

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Fri Mar 31, 2006 5:10 am

David A. Szwak View the latest post

Forum locked Do You Have To Pay For Your Credit Report?

and if so, how much?

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Mon Dec 19, 2005 10:51 pm

David A. Szwak View the latest post

FCRA Private Rights of Action and Duties Imposed by the FCRA

 
No unread posts Impermissible Access: 15 U.S.C. 1681b[f] and 1681q

Who can pull a credit report and when can they pull it.

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Sat Mar 25, 2006 5:35 am

Administrator View the latest post

No unread posts Front End Duties of the Credit Reporting Agencies: 15 U.S.C. 1681e(b)

Maximum Possible Accuracy

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Wed Mar 22, 2006 6:04 pm

Guest View the latest post

No unread posts Back End Duties of the CRAs: 1681i[a]:

Reasonable Reinvestigation

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Mon Mar 27, 2006 1:47 am

Administrator View the latest post

Forum locked Credit Bureau's Duty to Provide Consumer Documentation to Furnisher: 1681i[a][2][B]

This Folder discusses issues pertaining to credit bureau reinvestigations with emphasis on the Agencies' duty to provide its furnishers with all relevant information and copies of documents supplied by the consumer as part of the dispute to the Agency

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Fri Feb 17, 2006 1:53 am

Guest View the latest post

Forum locked Duty to Add a Consumer's Dispute Statement in Association with a Specific Account and In Connection with the Credit File/Report: 15 U.S.C. 1681i[c]

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Tue Jan 10, 2006 3:16 am

David A. Szwak View the latest post

No unread posts Furnisher FCRA Liability: 15 U.S.C. 1681s-2

Furnishers are those persons who report data to the credit reporting agencies

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Mon Apr 03, 2006 3:00 am

David A. Szwak View the latest post

Forum locked Failing to Mark Contested Accounts As Disputed: 15 U.S.C. 1681s-2[a][3]

Obligation of the furnisher of credit data to advise the credit reporting agencies that the consumer has contested the subject account; a comment and flag is to be placed on the disputed account

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Wed Feb 01, 2006 4:04 am

David A. Szwak View the latest post

No unread posts Obsolescence: When Must the Credit Reportings Come Off of the Credit Report: 15 U.S.C. 1681c

This Folder Examines the Differing Time Periods That the Various Types of Credit Data May be Retained in Your Credit File. The Related Re-Aging Folder Also Contained in This Forum Examines the Known, Deceptive Trade Practice of Tampering With the Reporting to Avoid Automated Purge Mechanisms at the Bureaus.

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Wed Mar 22, 2006 6:10 pm

Guest View the latest post

Forum locked Duty to Notate Disputed Accounts As Such: 15 U.S.C. 1681c[f]

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Mon Nov 07, 2005 4:59 am

David A. Szwak View the latest post

No unread posts Adverse Action Notice Rules: 15 U.S.C. 1681m and ECOA

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Wed Feb 08, 2006 2:47 am

David A. Szwak View the latest post

Forum locked Credit Solicitations Are Required to be Clear and Conspicuous: 1681m[d]

This forum addresses 15 U.S.C. 1681m[d] and the requirement in the FCRA that credit solicitations that you receive are required to be clear and conspicuous. Carefully consider whether you have a private right of action or whether the FTC or other governmental agencies must enforce this provision.

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Sat Apr 01, 2006 7:03 pm

David A. Szwak View the latest post

Forum locked Potential Exposure For Sanctions Due to Filing Bad Faith FCRA Cases: 15 U.S.C. 1681n[c], 28 U.S.C. 1927, and Fed.R.Civ.Proc. 11

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Wed Feb 08, 2006 3:00 am

David A. Szwak View the latest post

Forum locked Credit Repair Organizations Act [CROA]

Persons Performing Ilegal "Credit Repair" and Liability For Such Acts

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Sat Mar 18, 2006 7:48 pm

David A. Szwak View the latest post

Common Credit Report Errors and Agency Misconduct

 
No unread posts Credit Errors

Get information and post information on credit report errors not involving theft of identity.

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Wed Mar 15, 2006 1:28 am

Administrator View the latest post

No unread posts Theft of Identity

Get information and post information on theft of identity issues.

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Tue Apr 04, 2006 3:06 am

David A. Szwak View the latest post

No unread posts Mixed File Cases

Father-Son, Mother-Daughter, Junior-Senior-Trey [Generational Designators], Common Names, Variations on Social Security Numbers and Other Mixed File Issues

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Mon Jan 02, 2006 5:10 am

David A. Szwak View the latest post

No unread posts Re-Aging: Debt Collector's Efforts to Revive Obsolete Reportings

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Wed Mar 22, 2006 6:06 pm

Guest View the latest post

No unread posts Reinsertion of Previously Deleted Data: How and When Can It Happen?

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Sat Dec 10, 2005 10:46 pm

David A. Szwak View the latest post

No unread posts VIP Databases and Offline Status

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Tue Jan 03, 2006 5:20 am

David A. Szwak View the latest post

No unread posts Deceased Reporting Cases

This Folder Examines Those Cases Where the Credit Reporting Agencies [or Furnishers] Report You as Deceased When You Are Plainly Alive

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Tue Jan 17, 2006 2:31 am

David A. Szwak View the latest post

Causation: The Crucial Link Between Breach of a Duty and Damages

 
No unread posts Causation to Damage [Proving Your Damages Are Related to and Caused by the Defendants

Proving the proximate and legal cause of your damages may be more tricky than you think.

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Wed Feb 15, 2006 2:12 am

David A. Szwak View the latest post

Types of Damages, Remedies, and Awards Under the FCRA and Related State Law Claims

 
No unread posts Damages Under FCRA

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Fri Feb 10, 2006 6:09 am

David A. Szwak View the latest post

No unread posts Punitive Damages: 15 U.S.C. 1681n

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Mon Mar 27, 2006 1:53 am

Administrator View the latest post

No unread posts Injunctive Relief: FCRA and State Law

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Mon Apr 03, 2006 2:47 am

David A. Szwak View the latest post

No unread posts Attorneys' Fees, Litigation Expenses and Costs:

When Can You Recover Them and How? Costs Under 28 USC 1920, Expert Witness Fees, and Other Non-Damage Awards;
Recoverable Costs Are Governed by 28 USC 1920 however Expert Witness Fees Are Not. There are various non-damage awards that you need to understand and how to seek them.

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Wed Mar 01, 2006 12:31 am

HelpMe2006 View the latest post

No unread posts Declaratory Relief Under the FCRA

Can you pursue private rights to declaratory judgments and relief under the FCRA?

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Sat Mar 18, 2006 8:13 pm

Administrator View the latest post

What is Your Potential Case Worth? Other Case Verdicts, etc.

 
No unread posts FCRA Jury and Bench Trial Verdicts

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Fri Jan 06, 2006 3:52 am

David A. Szwak View the latest post

Other Federal Laws Related to Credit Reporting, Data Privacy, Billing Errors and ID Theft

 
No unread posts FDCPA Statute And Amendments: 15 U.S.C. 1692, et. seq.

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Sun Mar 05, 2006 7:18 pm

Administrator View the latest post

No unread posts Fair Credit Billing Act, 15 U.S.C. 1666, et. seq.

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Tue Jan 24, 2006 5:49 am

David A. Szwak View the latest post

State Law Claims Related to Credit Reporting, Billing Errors, Privacy Breaches and ID Theft

 
No unread posts Invasion of Privacy: State Law

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Thu Dec 29, 2005 6:17 am

David A. Szwak View the latest post

No unread posts Defamation: State Law

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Fri Jan 27, 2006 3:28 am

David A. Szwak View the latest post

No unread posts Interference With Prospective Credit: State Law

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Tue Jan 24, 2006 6:05 am

David A. Szwak View the latest post

No unread posts Interference With Marital/Family Relations: State Law

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Tue Dec 06, 2005 3:19 am

David A. Szwak View the latest post

No unread posts Infliction of Emotional Distress/Mental Anguish: State Law

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Sat Mar 18, 2006 7:45 pm

David A. Szwak View the latest post

Jurisdiction, Venue, Removal to Federal Court, Remand to State Court, and Other Pre-Trial Jurisdicti

 
No unread posts Removal of FCRA Cases From State Court To Federal Court

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Mon Feb 13, 2006 3:18 am

David A. Szwak View the latest post

No unread posts Personal Jurisdiction and Venue in Credit Reporting Cases

Can You Bring Your Case Against a Defendant in a Particular Court? Do You Have Jurisdiction Over the "Person" of the Defendant? Is Venue Proper?

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Mon Mar 13, 2006 4:56 am

David A. Szwak View the latest post

FCRA Litigation Strategies and Procedural Issues and Law

 
No unread posts Settlements, Releases, Prevailing Party Status, and Other Things You Need to Know If You Resolve Your Case Before Judgment

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Thu Mar 02, 2006 1:38 am

David A. Szwak View the latest post

No unread posts Offers of Judgment In FCRA Litigation

Federal and State Rules of Procedure provide cost and sometimes attorney's fee shifting mechanisms for defendants to attempt to force plaintiffs/consumers to accept proposed settlements. This forum provides a source of information for how these rules may impact the litigation.

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Mon Dec 12, 2005 9:00 pm

David A. Szwak View the latest post

Do You Have a Right to Bring Claims and How Long Do You Have?

 
No unread posts Statute Of Limitation: 15 U.S.C. 1681p

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Wed Feb 08, 2006 3:50 am

David A. Szwak View the latest post

No unread posts Standing to Sue

Who has the right to bring FCRA and related claims for credit reporting abuses? What if the plaintiff dies? Can a spouse join in the suit for damages?

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Sun Mar 12, 2006 12:21 am

Philip[z View the latest post

Secret Documents, Product Information and Testimony

 
No unread posts Choicepoint Secret Documents:

Types, Names, Descriptions, Testimony

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Thu Mar 16, 2006 3:54 am

David A. Szwak View the latest post

No unread posts Equifax/CSC and Affiliates Secret Documents:

Types, Names, Descriptions, Testimony

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Thu Mar 16, 2006 3:53 am

David A. Szwak View the latest post

No unread posts Experian Secret Documents

Names, Types, Descriptions, Testimony

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Tue Mar 07, 2006 12:30 am

David A. Szwak View the latest post

No unread posts Innovis Secret Documents:

Types, Names, Descriptions, Testimony

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Fri Nov 04, 2005 5:23 am

David A. Szwak View the latest post

No unread posts Trans Union Secret Documents

Types, Names, Descriptions, Testimony

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Mon Apr 03, 2006 2:52 am

David A. Szwak View the latest post

Respondeat Superior, Vicarious Liability, and Whether Others Are Liable

 
No unread posts Liability For Employee's FCRA Violations? Liability For FCRA Violations by Third Parties?

Vicarious Liability/Respondeat Superior

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Wed Dec 21, 2005 9:42 pm

David A. Szwak View the latest post

FCRA Preemption, Immunity, and Qualified Immunity

 
No unread posts FCRA Preemption: 15 U.S.C. 1681t[b][1][F] and Related Discussions

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Mon Apr 03, 2006 2:56 am

David A. Szwak View the latest post

No unread posts FCRA Qualified Immunity: 15 U.S.C. 1681h[e] and Related Discussions

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Mon Mar 27, 2006 1:49 am

Administrator View the latest post

No unread posts States/Govermental Immunity From FCRA Claims?

This Folder looks at issues of whether and how you can bring FCRA cases against Governmental Bodies or Agents/Employees who may violate the FCRA. Many such agencies and agents access credit files secretly while others report/furnish data to the credit reporting agencies. Does the 11th Amendment [Sovereign Immunity] prevent such suits? Do other immunity statutes prevent such suits?

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Fri Mar 10, 2006 2:33 am

David A. Szwak View the latest post

Jury Voir Dire, Instructions, Verdict Forms, etc.

 
No unread posts Jury Instructions and Jury Verdict Forms

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Thu Oct 27, 2005 2:42 am

David A. Szwak View the latest post

No unread posts Jury Questionnaires, Voir Dire, Jury Selection and Jury Bias

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Fri Jan 13, 2006 5:53 am

David A. Szwak View the latest post

Credit Card Issues

 
No unread posts Credit Card Liabilities

Identity Theft, Account Takeover, Unauthorized Use, Misuse, Apparent Authority, Authorized Use.

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Tue Apr 04, 2006 3:05 am

David A. Szwak View the latest post

Credit Scores, Adverse Action Codes, and Other Report Codes

 
No unread posts Credit Scores, Adverse Action Codes, Risk Factors, Denial Codes and Other Scores and Codes Supplied by the Credit Reporting Agencies

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Tue Mar 14, 2006 10:06 pm

Guest View the latest post

The Mechanics of Credit Reporting

 
No unread posts Public Records Reportings [Non-Bankruptcy]

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Sun Jan 15, 2006 6:05 am

David A. Szwak View the latest post

No unread posts Bankruptcy Reporting

Information that should and should not be reported where there is a bankruptcy.

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Fri Mar 31, 2006 4:33 pm

HelpMe2006 View the latest post

No unread posts Student Loan Credit Reporting

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Mon Feb 06, 2006 8:26 am

David A. Szwak View the latest post

No unread posts Metro Tape [I and II]: Standardized Credit Reporting Formats Used by the Credit Industry

Subforum: Defense Counsel Abuses and War Stories

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Fri Jan 20, 2006 5:56 am

David A. Szwak View the latest post

Defenses Asserted by Industry and Abuse Stories

 
No unread posts Defenses Asserted by Credit Reporting Defendants

Defenses frequently include comparative fault, failure to mitigate, third party fault, offset, contribution, impleading a third party, laches, and many others. How do you handle these defenses? Can the defendant's witness explain facts to support the asserted defenses?

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Sat Jan 28, 2006 3:07 am

David A. Szwak View the latest post

What Law Applies? Problems Barring Use of the Court and Law

 
Forum locked Arbitration, Forum Selection, Choice of Law, Choice of Venue and Other Adhesionary Clauses

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Mon Mar 27, 2006 1:30 am

Administrator View the latest post

FCRA Legal Forms [Suits, Discovery, etc.]

 
Forum locked Discovery: Interrogatories, Requests For Production of Documents, Requests to Inspect, Requests For Admissions, Deposition Notices, Subpoenas, Deposit

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Wed Feb 08, 2006 3:02 am

David A. Szwak View the latest post

No unread posts FCRA Sample Pleadings: Complaints, Motions, Oppositions and Other Standard Lawsuit Filings

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Sun Mar 05, 2006 7:16 pm

Administrator View the latest post

FCRA Class Actions and Class Issues

 
No unread posts FCRA Class Actions

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Tue Jan 24, 2006 6:11 am

David A. Szwak View the latest post

Special Evidentiary Issues: What is Evidence?

 
No unread posts Evidentiary Issues in FCRA Cases

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Tue Feb 21, 2006 12:15 pm

David A. Szwak View the latest post

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